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Tailored asset-based lending solutions that turn your accounts receivable, inventory, and equipment into working capital.
Asset-based lending is a type of secured financing that relies on collateral instead of (or in addition to) a company’s credit profile. In ABL, the borrower’s assets become the security for the loan. For example, outstanding customer invoices (accounts receivable), unsold stock (inventory), machinery and equipment, or even stocks and bonds can be pledged to secure funding. By contrast, traditional business loans often hinge on credit rating, historical performance, and projected cash flow.Â
In practice, an asset-based loan often takes the form of a revolving line of credit. The lender first evaluates and appraises your collateral through a field examination or audit. Only eligible assets count toward the borrowing base. As your customers pay their invoices or as you sell inventory, additional funds become available, refreshing the credit line. Throughout the loan, you submit regular reports on your inventory and receivables. This streamlined process can be faster than a traditional loan: since ABL lenders look at assets, approvals are typically quicker and require fewer financial covenants.
Asset-based lending is a strategic financing solution that allows businesses to leverage the worth of their existing assets—inventory, accounts receivable, equipment, or property—to access working capital. Unlike traditional credit-score-backed loans or extended financial records, asset-based lending focuses on the strength of your balance sheet and is offered to businesses with poor credit or unpredictable cash flow. As the loan is secured with collateral, firms typically have faster approval and lower rates of interest compared to unsecured loans and can reduce borrowing costs while obtaining liquidity.
This type of funding is extremely flexible, too. Whether your business is weathering seasonal highs and lows, working through growth, or breaking through short-term cash gaps, asset-based lending can be adjusted to suit your requirements. It creates the capital required to keep operations going, fund new ventures, or stabilize daily cash flow—without sacrificing equity or assuming too much risk. For businesses that require solid access to capital, asset-based lending is a sensible and realistic answer for being financially strong and focused on the future.
Ready to unlock the value of your assets and fuel your company’s growth? Contact Better Financial Tomorrow today for a free consultation. Our asset-based lending specialists will evaluate your assets and cash flow, explain your loan options, and guide you through a straightforward qualification process. Whether you need to maintain inventory levels, cover payroll, pay down debt or invest in new opportunities, ABL can provide the funds you require with fewer restrictions than conventional loans.
Start financing your future today: Call us or fill out our contact form to learn how Better Financial Tomorrow can put our ABL expertise to work for your business. Let us help you obtain the flexible, lower-cost financing you deserve – so you can focus on running your operations and achieving long-term success.
Bonnie
nathan galea
As someone who easily gets frustrated and confused with paper work code made the whole process much easier than previous experiences.Clyde is a wealth of knowledge and and legitimately wants to see you succeed and he knows how to get you there. Would definitely recommend to anyone.
GAYNA
Clyde has been so helpful, from the moment we first met him. My husband and I are so appreciative of Clyde's willingness to assist - he has seen us outside of office hours multiple times, to ensure we can get his expert input and support.
Having never bought a property before, we had no idea what was involved with the process, and Clyde has always made himself available to answer our questions.
I have recommended him to my friends, and will continue to do so!
Nicholas
I came to Clyde wanting to buy a property and he pointed me in the right direction. 6 months later and I have bought my first investment property, Couldn't be happier. Great service, great person and always wears his smile
EMMa
Asset-based lending involves providing loans secured by a borrower's assets. Lenders typically prefer liquid collateral over illiquid or physical assets like equipment. This type of financing is frequently utilized by small to mid-sized businesses to manage short-term cash flow needs.
Unlike traditional loans that rely heavily on credit score or cash flow, asset-based lending focuses on the value of your physical or financial assets. This makes it more accessible for businesses with strong assets but weaker credit or inconsistent cash flow.
Eligible collateral includes accounts receivable (customer invoices), inventory, equipment, machinery, real estate, and sometimes marketable securities like stocks or bonds.
ABL is ideal for small to mid-sized businesses in manufacturing, distribution, retail, or any asset-heavy industry. It’s especially useful for businesses with seasonal cash flow, rapid growth, or limited credit history.
Not necessarily. While credit history may be reviewed, lenders primarily evaluate the quality and value of your assets, making ABL accessible even with a moderate credit rating.
Yes. Because the loan is secured by your assets, lenders often offer lower interest rates compared to unsecured financing, helping you reduce borrowing costs.
Borrowing against assets presents inherent risks: their value could decline, leaving you with more debt than equity. Additionally, strict borrowing limits often apply, as not all assets may qualify as collateral, and the loan amount is further constrained by your lender's valuation of eligible assets.
Mortgage brokers (like me) act on your behalf working with lenders to help you find a loan
that is well suited to your situation. This means I do all the legwork for you! We’re also legally
required to work in your best interests (whereas banks and lenders aren’t!). Get in touch and
we’d be happy to answer any questions.
In almost all scenarios you are not required to pay a fee for our services. Instead, we’re paid a
commission by the lender you choose. If you have any questions give us a call and we’d be
happy to help.
We have access to over 60 banks and lenders, giving you access to competitive rates, choice
and power when embarking on your mortgage process.
Whatever is preferred by you! We can do it over zoom, the phone, face to face, whatever
you’re most comfortable with.
As a broker, I have access to over 60 lenders so I can offer you choice and a well informed
recommendation. Unlike the banks, I’m also legally required to work in your best interests
and in almost all scenarios you are not required to pay a fee for our services. Instead, we’re
paid a commission by the lender you choose. Get in touch for more information about how
we can help you.
Get a broker on your side early to help navigate you through the process. We’ll start by
understanding your current situation and your future goals. We’ll then research and refine
your options. Once you’re ready we’ll lodge the application for you!
Each lender has slightly different criteria, so the amount you can borrow will differ. To kick
things off I’ll need you to provide some information about your current situation. Then it’s
over to me to do the research and compare your options from over 60 lenders. Get in touch
so I can help you understand how much you can borrow, or go to our calculators page to get
an estimate! https://betterfinancialtomorrow.com.au/how-much-can-i-borrow/
We sure do. Whether you are buying a car, need to fund a holiday, to buy some furniture, pay
for a uni course or even get married, we can help get you sorted.
Stamp duty is a state government tax on your property and how much you have to pay
depends on which state you live in and the price of your property. Use our stamp duty
calculator https://betterfinancialtomorrow.com.au/stamp-duty-calculator/ to get an
estimate and get in touch if you have any questions.
Typically lenders ask for 20% of the total house price before they’ll consider giving you a loan
but there are a number of ways around this, like government grants and guarantors, which
means you could buy with as little as a 5% deposit. Get in touch and we can work out what
your options are and a plan to get you on the property ladder.
Unfortunately, the answer to this one is ‘Depends’! It differs from lender to lender and can
vary quite a bit (depending on their criteria, income, the type of property etc), so it’s really
worth shopping around. How much you can borrow also depends on the size of your deposit
and can change if you have an existing equity in a property. Get in touch and we can start
working it out for you!
Right from the beginning, Clyde at Better Financial Tomorrow has been a great help, his advice & professionalism is 2nd to none. We would highly recommend Clyde without hesitation. Do... Read more
Phil CroweClyde at Better Financial Tomorrow is both friendly and extremely knowledgable on so many aspects of finance. He has arranged mortgages for us and helped us purchase our first investment... Read more
Ian HayesWe are almost at the end of finalising our first home purchase. Up until this point, all I can say is Clyde has been there every step of the way.... Read more
Kaylie JaneClyde is professional and responsive and good value. He is a good broker and adviser.
Yellow Brick Road GladesvilleClyde has been very professional and effective in assisting my husband and myself with our financing
Jacki